Call reports 2016
GENERATIONS BANK — 2016
What GENERATIONS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 38,122,000 | 38,153,000 | 39,194,000 | 39,046,000 |
| Total loans | 27,343,000 | 27,752,000 | 28,775,000 | 29,369,000 |
| Allowance for loan losses | 368,000 | 375,000 | 383,000 | 361,000 |
| Securities available for sale | 5,192,000 | 5,023,000 | 4,926,000 | 4,394,000 |
| Securities held to maturity | 2,282,000 | 2,231,000 | 2,080,000 | 2,043,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,687,000 | 31,051,000 | 30,820,000 | 31,618,000 |
| Interest-bearing deposits | 21,321,000 | 23,512,000 | 23,569,000 | 22,582,000 |
| Noninterest-bearing deposits | 9,365,000 | 7,539,000 | 7,251,000 | 9,037,000 |
| Equity capital | 4,047,000 | 4,077,000 | 4,197,000 | 4,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 383,000 | 772,000 | 1,178,000 | 1,577,000 |
| Interest expense | 24,000 | 54,000 | 85,000 | 118,000 |
| Net interest income | 359,000 | 718,000 | 1,093,000 | 1,459,000 |
| Noninterest income | 49,000 | 86,000 | 144,000 | 193,000 |
| Noninterest expense | 278,000 | 541,000 | 803,000 | 1,071,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 210,000 |
| Pretax income | 113,000 | 239,000 | 402,000 | 362,000 |
| Income tax | 30,000 | 61,000 | 97,000 | 84,000 |
| Net income | 83,000 | 178,000 | 305,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,403,000 | 3,432,000 | 3,569,000 | 3,437,000 |
| Total capital | 3,771,000 | 3,807,000 | 3,952,000 | 3,798,000 |
| Risk-weighted assets | 30,917,000 | 31,051,000 | 32,111,000 | 33,282,000 |